Last updated: September 2026

Colorado Paycheck Calculator

A single filer earning $75,000 in Colorado keeps about $58,671 a year, or $2,257 every two weeks, after about $2,592 in Colorado income tax and $330 for FAMLI paid leave. Unless you file Colorado's own withholding form, your employer will probably take about $466 more than that during the year.

Colorado tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Take-Home Pay

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Pre-Tax Deductions (optional)
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Reduces taxable income. Does not reduce Social Security or Medicare.

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Section 125 plan — reduces income tax and FICA.

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Reduces income tax and FICA.

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From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay
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per paycheck
Item Per Check Annual
Gross Pay — —
Federal Income Tax — —
Social Security (6.2%) — —
Medicare (1.45%) — —
Take-Home Pay — —
Effective Tax Rate
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all taxes combined
Total Deductions
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per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

Colorado Salary After Taxes at Common Pay Levels (2026)

Take-home pay for a single filer in Colorado after federal income tax, Social Security and Medicare, Colorado state income tax, and the CO FAMLI premium. Based on the 2026 IRS tables and the Colorado state 2026 schedule.

Annual Salary Federal Tax FICA CO Tax SDI Take-Home Effective Rate
$40,000 $2,620 $3,060 $1,052 $176 $33,092 17.3%
$60,000 $5,020 $4,590 $1,932 $264 $48,194 19.7%
$80,000 $8,770 $6,120 $2,812 $352 $61,946 22.6%
$100,000 $13,170 $7,650 $3,692 $440 $75,048 25%
$150,000 $24,734 $11,475 $5,892 $660 $107,239 28.5%
$200,000 $36,734 $14,339 $8,092 $812 $140,024 30%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. Effective rate counts every deduction shown, including SDI. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

Colorado Take-Home Pay by Pay Frequency (2026)

The same Colorado take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, Colorado state income tax, and the CO FAMLI premium.

Annual Salary Weekly52/yr Biweekly26/yr Semi-Monthly24/yr Monthly12/yr
$40,000 $636 $1,273 $1,379 $2,758
$60,000 $927 $1,854 $2,008 $4,016
$80,000 $1,191 $2,383 $2,581 $5,162
$100,000 $1,443 $2,886 $3,127 $6,254
$150,000 $2,062 $4,125 $4,468 $8,937
$200,000 $2,693 $5,386 $5,834 $11,669

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in Colorado, that difference is about $106 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a Colorado paycheck

Default withholding runs high

Colorado taxes income after the federal standard deduction, $16,100 for a single filer in 2026. But if you give your employer only a federal W-4, Colorado's withholding formula subtracts just $5,500 ($11,000 if married filing jointly) before applying 4.4%. A single filer ends up with about $466 a year too much withheld, which comes back as a refund. Filing form DR 0004 lets you set the allowance to match your expected deductions.

FAMLI paid leave: 0.44%

Colorado's paid family and medical leave premium is 0.88% of wages for 2026, down from 0.9%, up to the Social Security wage base. Employers with 10 or more employees can take up to half, 0.44%, from your pay and pay the rest themselves; smaller employers owe no share of their own. Some employers cover the whole premium. The tables on this page use 0.44%.

Denver's $5.75 a month

Colorado cities don't tax income, but Denver and a few others charge an occupational privilege tax. Denver's employers withhold $5.75 a month from anyone who earns at least $500 a month working in the city, $69 a year, and pay $4 a month per employee themselves. The calculator above leaves it out.

One rate for all pay

Colorado withholding uses a single rate, 4.4%, and the 2026 worksheet counts overtime as part of taxable wages for the pay period, so there are no brackets for extra pay to climb into.

Minimum wage

Colorado's minimum wage is $15.16 an hour for 2026. Full-time that is $31,533 a year, about $26,699 after taxes and FAMLI. Some cities, including Denver, set higher local minimums.

For the annual picture, including capital gains, credits, and filing deadlines, see the Colorado income tax calculator.

Colorado Income Tax Brackets (2026)

Colorado has a flat income tax of 4.4% for 2026. Both single and joint filers pay the same rate on all taxable income.

Standard Deduction
$16,100 single · $32,200 joint

Taxable income equals gross wages minus pre-tax deductions and the standard deduction.

Top Cities in Colorado

The largest cities in Colorado, where local taxes may apply on top of state withholding, by U.S. Census Bureau estimate for July 1, 2025:

  • Denver — 740,613 residents
  • Colorado Springs — 494,743 residents
  • Aurora — 410,053 residents
  • Fort Collins — 171,500 residents

How Colorado Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State Take-Home vs. Colorado
Colorado (here) $59,001 —
Wyoming $61,593 +$2,592
Nebraska $59,060 +$59
Kansas $58,207 -$794
Oklahoma $58,763 -$238
New Mexico $59,233 +$232

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the Colorado state income tax rate?

Colorado has a flat income tax rate of 4.4% for 2026. Whether you earn $40,000 or $200,000, your state tax rate is the same — applied to taxable income after the standard deduction.

How much is taken out of my paycheck in Colorado?

For a single filer earning $75,000 in Colorado (2026): about $7,670 in federal income tax, $5,738 in Social Security and Medicare, $2,592 in Colorado state income tax, and $330 for the CO FAMLI premium, leaving about $58,671 a year, or $2,257 per biweekly paycheck.

Why do I get a Colorado refund every year?

Often because of withholding. Without form DR 0004, Colorado withholding subtracts only $5,500, but your tax is figured after the full federal standard deduction. For a single filer that is about $466 a year withheld beyond the tax.

How much is Colorado FAMLI in 2026?

0.88% of wages up to the Social Security wage base. Employees pay up to half, 0.44%, and employers with 10 or more workers pay the other half.

What is the Denver OPT on my paycheck?

Denver's occupational privilege tax: $5.75 a month withheld from employees who earn at least $500 a month in Denver.

What is the minimum wage in Colorado in 2026?

$15.16 an hour statewide. Some cities, including Denver, have higher local minimums.

More Colorado Calculators

Colorado Income Tax Calculator
Estimate Colorado state and federal income tax on your annual income.
Colorado Sales Tax
Colorado state and city sales tax rates, with a calculator.

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